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PEL Account No. 4386579010153608 200003242 PRIME EQUITY LINE RIDER THIS PRIME EQUITY LINE RIDER is made this day of April 14, 2000, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the undersigned (the "Borrower ") to secure the Prime Equity Line Agreement and Disclosure Statement executed by the Borrower of the same date (said Agreement is referenced in the Security Instrument and this Rider as "Note ") toFirst Union Home Equity Bank, N.A. (the "Lender ") and covering the property described in the Security Instrument and located at: 3604 SEEDING MILE ROAD, GRAND ISLAND, NE 68803 (Property Address) ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree to the following additional terms and conditions: Adjustable Rate Loan The Security Instrument secures a Note which provides for changes in the rate of finance charge (said finance charge is referenced in the Security Instrument as "interest "), as more particularly described in said Note. Maturity Date The second paragraph on page one of the Security Instrument shall read as follows: WHEREAS, Lender has made a loan to Borrower in the principal sum not to exceed ($8,000.00) Eight Thousand Dollars which loan is evidenced by Borrower's Note and extensions, modifications and renewals thereof which provides for advances of all or part of the loan proceeds from time to time. The entire indebtedness evidenced by the Note, if not sooner paid, will be due and payable on April 13, 2020. Application of Payments The paragraph on Application of Payments shall read as follows: Unless applicable law requires otherwise, all payments received by Lender under the Note and paragraph 1 of the Security Instrument shall be applied by Lender in the following order: first, to pay interest then due on the Note; second, to pay charges or fees, if any, including late charges, due on the Note, and then to pay principal due on the Note. Obligation To Lend Lender is absolutely obligated under the terms of the Note to make advances not to exceed, at any one time in the aggregate, the amount stated in the Note and Borrower has agreed to repay any advances under the terms of the Note. Lender's absolute obligation to make advances to Borrower under the Note ends when Lender terminates advances and demands repayment of the outstanding obligation or prohibits additional extensions of credit under the Note or the Security Instrument. Nevertheless, Lender may waive the right to terminate or prohibit additional advances. If Lender does not terminate or prohibit additional advances, Lender remains obligated to make advances to Borrower under the terms of the Note. However, that waiver does not bind Lender if the same or a different event occurs or is continuing at a later time. Lender's obligation to make advances under the terms of the Note also terminates when the Note is terminated or advances suspended by Borrower in accordance with the terms of the Note. Note Provisions - Conflict In case of a conflict between the terms of the Note and the Security Instrument governing remedies of default or termination of advances, the priority of controlling terms shall be the Note and then the Security Instrument. Release The paragraph on Release shall read as follows: When the balance of all outstanding sums including finance charges and other charges, if any, secured by the Security Instrument is zero, the Lender shall upon request of the Borrower, release the Security Instrument without a charge to the Borrower. Absent a request from the Borrower, the Security Instrument shall remain in full force and effect for the term set forth above. Lender, at Lender's option, may allow a partial release of the Property on terms acceptable to Lender and Lender may charge a release fee. 230908 (Rev 04 50 /Pkg) Page 1 �� (12/93) NE PEL Rider 173 8881132819